How To Claim Remittance Incentives In Bangladesh – Updated 2025 Guide

For millions of Bangladeshis living abroad, sending money home is more than a routine—it's a vital support system for their loved ones. Recognising this, the Bangladeshi government continues to offer remittance incentives to reward legal remittances sent through formal channels. If you’re a Bangladeshi expat, student, or worker, this 2025 guide will show you how to claim your remittance incentives with ease while using the most efficient and trusted platforms to send money to Bangladesh. Let’s walk you through what’s new in 2025, how the process works, and what you can do to take full advantage.

What Are Remittance Incentives?

Remittance incentives are financial rewards provided by the Government of Bangladesh to encourage the use of official money transfer channels.

Here’s what you should know:

• In 2025, the official incentive rate remains at 2.5% of the remitted amount.
• This incentive is added to the amount received by the beneficiary in Bangladesh.
• The remittance must be sent through legal banking channels or licensed financial service providers.

This initiative has been designed to strengthen the national economy, ensure transparency, and support the families of migrant workers and students abroad.

Eligibility Criteria For Receiving Incentives

Before you plan your money transfer to Bangladesh, it’s important to ensure that you meet the eligibility conditions set by the authorities.

You are eligible if:

• You are a Bangladeshi citizen or a dual national living abroad.
• You send remittances through registered banks or authorised money transfer operators.
• The remittance amount is below USD 5,000 per transaction—incentives are processed automatically for these.
• For remittances above USD 5,000, supporting documents such as proof of income may be required.

Avoid sending money through hundi or informal channels, as those transfers are not eligible for incentives.

Step-By-Step Process To Claim Your Remittance Incentive

Claiming your incentive is now easier than ever in 2025. Here’s how you can do it in just a few simple steps:

Step 1: Choose A Licensed Money Transfer Service

Use a platform like ACE Money Transfer that operates legally and offers secure online money transfer to Bangladesh.

Step 2: Complete The Transaction

Enter the recipient’s details, the amount you want to send, and confirm the transaction.

Step 3: Automatic Incentive Disbursement

For amounts under USD 5,000, about 2%  incentive is added automatically to the amount the recipient receives in Bangladesh.

Step 4: Submit Documents (For High-Value Transfers)

If you’re sending over USD 5,000:

• Provide proof of your source of income (e.g. salary slips or employment contracts).
• Submit your national ID or passport copy if requested by your service provider.

Step 5: Confirm Incentive Receipt

Ask your family to check the added incentive in the total amount received. Banks usually show this separately or in a combined figure.

Which Banks And Platforms Qualify?

To benefit from incentives, always choose platforms authorised by the Bangladesh Bank or partner banks in the country.

Recommended channels include:

• Commercial banks like Sonali Bank, Islami Bank, and Dutch-Bangla Bank.
• Authorised digital platforms such as ACE Money Transfer.
• Government-approved fintech operators.

You can verify an operator’s eligibility via the Bangladesh Bank website before initiating your online money transfer to Bangladesh.

Benefits Of Using Formal Channels

Beyond the 2.5% bonus, using official remittance channels brings several long-term advantages.

Why formal transfers are a smart choice:

• Security: Your money is traceable and safe.
• Speed: Transfers are completed within minutes to hours.
• Documentation: Useful for tax filing, visa renewals, or property investment in Bangladesh.
• Support for family: Extra incentive = more funds for essential needs.

Top Tips To Maximise Your Remittance Incentives

If you want to get the most out of your remittance every time you send money to Bangladesh online, here are some tips you should keep in mind:

• Split large amounts into smaller transfers below USD 5,000 to avoid extra documentation.
• Schedule monthly remittances during stable exchange rate periods to receive better value.
• Use trusted operators with competitive rates and lower fees.
• Stay informed about changes to government policies regarding remittance incentives.

Why ACE Money Transfer Is A Smart Choice

ACE Money Transfer allows Bangladeshis abroad to send money home quickly, securely, and cost-effectively. When you choose ACE, you ensure your funds go through authorised channels, making you instantly eligible for incentives.

Key benefits include:

• Low to zero transfer fees
• Real-time tracking
• High exchange rates
• 24/7 customer support

It’s a reliable way to send money home and help your family receive more than what you send, thanks to the government’s incentive scheme.

Remittance Incentives in Bangladesh!

In 2025, claiming remittance incentives in Bangladesh has become even simpler and more rewarding. By using formal channels like ACE Money Transfer to send money to Bangladesh, you don’t just support your family—you also help the national economy grow. Make sure you stay informed, follow the rules, and choose safe platforms to send money to Bangladesh from abroad without hassle. 

FAQs

What is the current remittance incentive rate in Bangladesh for 2025?

As of 2025, the remittance incentive rate is 2.5% on the total amount sent through legal channels.

Do I need to apply separately to get the remittance incentive?

No. If your remittance is below USD 5,000, the incentive is added automatically. For higher amounts, documents may be required.

Can I get incentives if I send money via mobile apps or websites?

Yes, as long as the platform (like ACE Money Transfer) is authorised by the Bangladesh Bank and partners with official channels.

What documents are needed for high-value remittances?

For transactions above USD 5,000, you may need to submit your passport copy, income proof, and sender-receiver relationship details.

Is it better to send multiple smaller transfers than one big transfer?

Yes. Sending smaller amounts under USD 5,000 helps you avoid paperwork and ensures automatic incentive disbursement.